Senior Auto Claims Adjuster

Location: Phoenix, AZ 85085*Fully Onsite for 3 months inital training; followed by hybrid schedule of 3 days onsite/2 days remoteW2 Contract-to-Hire after 4 monthsPay Rate: $37/HRJob OverviewManage complex Auto Claims from initial investigation through resolution, maintaining independent ownership of an assigned claims inventory.Investigate and evaluate Auto Claims involving coverage disputes, disputed liability, comparative negligence, physical damage, total loss, and multi-vehicle accidents.Independently investigate and determine auto liability by reviewing police reports, statements, photographs, scene evidence, vehicle damage, and other relevant information.Investigate insurance coverage issues by reviewing policy language, endorsements, documentation, and other information needed to make well-supported coverage decisions.Evaluate and negotiate first-party and third-party auto physical damage claims within established settlement authority.Handle repair-related claim decisions and settlements, including coordination with appraisers, repair facilities, and other technical resources.Proactively manage an active Auto Claims inventory by prioritizing work, completing follow-ups, maintaining diary activities, documenting decisions, issuing payments, and moving claims toward timely resolution.Communicate liability, coverage, settlement, and other claim decisions to insureds and claimants, including difficult or unfavorable decisions.Maintain thorough and accurate claim documentation supporting investigation findings, coverage decisions, liability determinations, settlements, and claim resolution.Utilize claims management and investigation resources, including Guidewire ClaimCenter and related tools, to document and advance claims.Collaborate with managers, appraisers, technical resources, and business partners to resolve complex claim issues.Provide proactive communication and clear expectations to insureds and claimants throughout the claims process.Support workload surges and catastrophe-response operations as required, which may include designated on-call dates and occasional evening, weekend, or holiday work.Travel or deploy with limited notice during designated catastrophe events based on business needs.Required QualificationsHigh school diploma or GED.Arizona adjuster license required.3+ years of recent, hands-on Auto Claims adjusting experience.Experience independently managing an assigned Auto Claims inventory from investigation through resolution.Hands-on experience investigating and determining auto liability.Experience handling disputed liability and comparative negligence claims.Experience conducting insurance coverage investigations and making or supporting coverage decisions.Experience handling auto physical damage claims, including repair-related claim decisions and settlements.Experience evaluating and negotiating first-party and third-party physical damage claims.Demonstrated ability to independently investigate claims, make claim decisions, document findings, communicate decisions, and drive claims toward resolution.Experience managing an active claims inventory/caseload while maintaining timely follow-up and accurate documentation.Strong investigation, decision-making, negotiation, organization, and claims documentation skills.Strong written and verbal communication skills with experience communicating difficult or unfavorable claim decisions.Preferred Qualifications4+ years of recent Auto Claims adjusting experience.Total loss experience, including vehicle valuation and settlement negotiation.Experience handling complex coverage investigations and disputed liability claims.Experience mentoring, coaching, or serving as a technical resource to other claims professionals.Active insurance adjuster license and/or licenses in multiple states.Experience with Guidewire ClaimCenter.Bachelor's degree.